Over the Thanksgiving holiday I forwarded one of your commentaries to my daughter in Chicago. A few days later we discussed the status of her 401K (down, of course) and what she could do to curb the damage. My suggestion was to move most of her equity funds to a money market account and then, assuming she wanted to stay in some equities, dollar cost average back in at a very cautious pace. This way she would be investing, but not taking on a lot of risk. As of today she had not made the move. As of today she is somewhat poorer than last Thanksgiving. Greed and Fear? Ignorance and apathy? Take your pick. Keep up the good work. Perhaps a few will listen.